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How To Stop Enforcement Action From Fredrickson International

Fredrickson International Limited is part of Lowell, and is one of the UK’s leading Debt Collection Agencies (DCA). Fredrickson International Ltd was founded in 1992 and is based in Tolworth, Surrey. Fredrickson provides debt recovery services to some of the UK’s largest companies.

Accreditation

Fredrickson International Limited is authorised and regulated by the Financial Conduct Authority (FCA) and a member of the Credit Services Association (CSA).

SecureTrust compliant

Member of the CSA Collector Accreditation Initiative

ISO/IEC 27001 certified for Information Security Management System

Information Commissioner’s Officer registered

Why Are Fredrickson Contacting Me?

Fredrickson International Limited are a debt collection agency so if you’ve received contact from them, it’s because they believe you owe money to their client. You should always ensure you know exactly what the debt is in relation to, and establish whether you actually owe it.

Sometimes you may receive contact in error because your name or address is similar to that of the debtor, you may be the victim of fraud, or your debt could be too old to be collected.

Is My Debt Too Old To Be Collected?

If Fredrickson are contacting you about an old debt, you should check whether it could be ‘statue-barred’. The Limitations Act 1980 stipulates the length of time a creditor must take action against you to recover the money you owe – usually six years.

This means, for debts that go back beyond this, the creditor may have run out of time to act against you to recover the debt. You may not have to pay if, in the last six years:

the creditor has not obtained a County Court Judgement against you

you have not made any payments towards the debt

you have not acknowledged the debt in writing

What Is A Debt Collection Agency?

A debt collection agency is a company that handles debt recovery on behalf of its clients. Businesses often don’t have the time, money or resources to chase individual debtors for payment, so will employ a debt collection agency to take on this responsibility for them instead.

What Can Fredrickson Do?

Debt collection agencies have no special legal powers and can only do the same as the original creditor. They will usually begin by sending letters or calling you to try to get you to pay your debt or make a payment plan.

So, Can I Just Ignore Fredrickson?

No, don’t ignore letters or calls from Fredrickson. Receiving letters from a debt collection agency can be worrying, but it’s important to take action to prevent your debt from becoming more serious.

What’s The Difference Between Bailiffs And Debt Collectors?

Both bailiffs and debt collectors work to recover debts, however there are some key differences in their powers and how they are allowed to operate. Bailiffs (or enforcement agents as they are now known) have special legal powers, whereas debt collectors like Fredrickson DO NOT.

Bailiffs

Special legal powers

Can enter your home

Can remove goods

Debt Collectors

Special legal powers

Cannot enter your home uninvited

Cannot remove goods

What Will Happen If I Don’t Pay?

If you don’t pay, your creditor or debt collector can apply to the court for help recovering the money they are owed, for example with a County Court Judgement (CCJ). This kind of action can affect your credit rating, as well as causing your debt to increase as fees are added to the original amount owed.

How To Stop Fredrickson

Pay up – if you owe the debt and can afford to make payment to settle it, do. Clearing your debt will prevent further hassle or action being taken against you.

If you can’t afford to pay, seek advice – if you are in financial difficulty and have debts you can’t manage, you could seek advice from a debt specialist like scottishtrustdeed.co.uk. You should also make Fredrickson aware that you are seeking advice as they may pause action against you while you sort this out.

Ask for breathing space – when you tell a creditor or debt collection agency like Fredrickson that you are seeking advice with your debt problem, you can ask them to give you ‘breathing space’. You should be given 30 days’ respite from any action they would take, giving you the opportunity to find a workable solution to your debt problem.

Choose your preferred method of contact – Fredrickson are not allowed to harass you over your debt, but you can further limit their communications by stating your contact methods. You can stop unwanted calls and texts by requesting everything in writing; this has the added advantage of taking the pressure off you for an immediate response – it’ll give you time to consider your next steps.

Work out a budget – know what you can afford to offer by way of repayment and don’t be bullied into paying more than you can manage. Knowing your budget allows you to set a realistic, sustainable repayment plan that won’t land you in further trouble.

How Can Scottishtrustdeed.co.uk Help?

Fredrickson may be able to answer any questions you have regarding your account, like the amount you owe and what for, but they are not allowed to give advice. Scottishtrustdeed.co.uk, however, have specialist debt advisors on hand to discuss with you your options for getting debt-free. There are a number of different debt management solutions which may be available to you, dependent on your circumstances. These include:

Fredpay.com

Fredpay.com is Fredrickson International Limited’s online account management portal. If you have a debt with Fredrickson, you can register with fredpay.com to manage your account online, without the need to speak to Fredrickson advisors. You can use fredpay.com to:

Make an offer to repay your debt by instalments

Make payments by card

Find your nearest location to pay in person

Use the budget planner tool

View your account statement to see how much you owe

Communicate with Fredrickson by secure email

How To Make A Complaint

If you feel that your case has been mishandled by Fredrickson International, you can make a complaint.

FAQs

Can Fredrickson International come into my house?

Without a court order, absolutely not. Neither Fredrickson International or any other debt collection agency nor a debt collector is considered a court-appointed bailiff. Fredrickson International may visit the address of a debtor but cannot enter the dwelling without the consent of the resident.

How can I stop debt letters from Fredrickson International?

Write to Fredrickson International to Request them to Stop Contacting You (If That’s What You Want) Under the FCA guidelines, if you request that a debt collector stop contacting you completely, it must do so (with a few exceptions). Your request must be in writing. You can use the ‘prove the debt letter’ to do this.

How can I legally write off debt from Fredrickson International Debt Recovery?

Unaffordable debt to Fredrickson International can be legally written off by using the Scottish Trust Deed scheme or IVA (If you reside in England). This can also protect your assets, such as your house or car from repossession. See if you qualify by using our free debt calculator here.

Can Fredrickson International take me to court?

If you owe money to Fredrickson International and you don’t pay, you can be sued. If Moorcroft sues you and wins, the court will enter a judgment (also called an order) against you that says you must pay back the debt. But if all your money and property are protected, then creditors cannot take them from you.

Can I repair my credit rating?

There are a number of things you can do to repair a damaged credit rating. These include making sure you make payments on time, avoid missing payments by setting up Direct Debits, making sure you’re on the electoral roll and borrowing again responsibly.

Will I be able to get credit in the future?

While having debt does impact on your credit score, you may still be able to get credit, particularly if you are able to show that you have taken steps to rectify your past financial misdemeanours.

A default notice will stay on your credit file for six years, even if you go on to repay your debt.

How will my credit rating be affected?

When you don’t stick to the terms and conditions of your account with a creditor, by missing payments, they will issue you with a default notice – this goes on your credit record and will have a negative affect on your credit rating.

Debt Solutions Subject to conditions and acceptance. Credit rating may be affected. Repaying debt over longer period may increase the total amount to be repaid. Fees payable if continuing services provided. Alternative free-to-consumer debt advice organisations as recommended by the Money Advice Service. *You may be required to pay a contribution towards your debts. This contribution is assessed based on your income and expenditure and can last for 48 months or longer.